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    • what rights of access do you have on your agreement with the landlord?   i suspect you shouldn't have to pay a thing.
    • then there is your proof to them why would you pay for BB twice!!   for my notes: GENERAL NOTES ON CHARGEBACK & Continuous Payment Authority & BACS   .....  We have been telling people to put a letter into their bank instructing them  not to make any payments under any circumstances to these companies  . http://whatconsumer.co.uk/visa-debit-chargeback/- it works! usually this should be done using the number on your debit card  .  banks MUST follow written intructions from their customers ! . CANCELLING YOUR DEBIT CARD DOES NOT STOP CPA'S  .  This fsa guide has now been updated:  . http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf http://www.fca.org.uk/news/continuous-payment-authorities-your-right-to-cancel https://www.fca.org.uk/consumers/unauthorised-payments-account  .  Here's the text:  .  Cancelling a regular  card payment:  .  When you give your credit or debit card details to a company and authorise them to take regular payments from your account,   such as for a gym membership or magazine subscription,  it is known as a ‘recurring transaction’ or ‘continuous payment authority’.  . These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.  .  In most cases, regular payments can be cancelled by telling the company taking the payments.   .  However,   you have the right to cancel them directly with your bank or card issuer by telling it that you have stopped permission for the payments.   Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.  .  Be aware, though, that you will still be responsible for paying any money that you owe. and that CANCELLING YOUR CARD WILL NOT STOP THE CPA  .  ..  .  New june 2013  .  Regulator orders Banks and mutuals to review complaints about not cancelling recurring payments from November 2009.  .  Consumers who have set up a regular payment from their account will now be able to successfully cancel that arrangement   by contacting their card provider, the Financial Conduct Authority said.  .  The FCA has been examining how easy it is for customers to cancel Continuous Payment Authorities (CPAs)   due either to payday lendersicon or for other regular payments such as subscriptions or gymicon memberships.  .  CPAs, which are also commonly called recurring transactions or recurring payments,   are relatively easy to set up but can be hard to cancel, causing problems for consumers trying to manage their finances,the FCA said.  .  Now, following the FCA review of how the largest high street banks and mutuals process requests to cancel CPAs, they have agreed that they will ensure that when   a customer asks for a recurring payment to end, that will be sufficient to cancel the arrangement. They have also confirmed that should a payment go through by   mistake following cancellation by a customer the customer will be refunded immediately.  .  In addition to securing this commitment, the largest banks and mutuals have agreed to review every individual complaint they have received about the non-  cancellation of a CPA and to pay redress where payments have continued to be made despite the customer cancelling the arrangement. This applies to all complaints   since November 2009 when the Financial Services Authority, the FCA’s predecessor, began regulating banking conduct.  .  Clive Adamson, the FCA’s director of supervision, said: “It’s important that consumers are confident that banks are meeting their everyday banking needs. Today   customers can be confident that when they ask for a Continuous Payment Authority to be cancelled – it will be cancelled - and that it can be done easily.   . “We recognise that historically this is an area where some customers have struggled but the banks and mutuals have responded positively to our work on this issue.   From now on we expect them to be getting this right. In addition, they have committed to review past complaints.” .  .  Also mentioned your displeasure that as whomever took your money had obviously attempted this many times   probably activating your banks own anti fraud software - nobody had the decency to inform my you this was going on.? .  .In the FSA's own words:  .  ..  What should I do about a payment from my account that I didn’t authorise?  .  Your bank must refund an unauthorised transaction.   Money can only be taken from your account if you have authorised the transaction   or if your bank can prove you were at fault –  . see below.  Contact your bank immediately if you notice an unauthorised payment from your account. .  If you are sure you did not authorise the payment, you can claim a refund.  .  However, your bank does not have to refund you if you do not tell it about the payment until 13 months  or more after the date it left your account.  .  Your bank must refund an unauthorised transaction  .  ------------------  .  Your bank may only refuse a refund for an unauthorised transaction if:  .  ? it can prove you authorised the transaction  – though your bank cannot simply say that use of your password,   card and PIN proves you authorised a payment; or .  ? it can prove you are at fault because you acted fraudulently,   or because you deliberately,   or with gross negligence, failed to protect the details of your card, PIN or password in a way that allowed the transaction  .  -----------------------  .  How quickly must my bank refund me for an unauthorised transaction?  .  The bank must make the refund immediately unless it has evidence that one of the above reasons applies.   Your bank may ask you to answer some questions and fill out a form confirming what has happened,   but it cannot delay your refund while it waits for you to return the form.  If the bank has evidence that one of the above reasons for refusing a refund applies,   it may investigate before making a refund   but must look into it as quickly as possible.   If your bank rejects your claim for a refund it should explain why.  If the transaction was on a credit card, the refund may not happen immediately.   But the card issuer cannot charge interest or ask for repayment of the amount unless it can prove you are liable to pay        
    • Only asking because I want to get my facts right before I approach the bank! Yes, BT is coming out of the same account.
    • not if they want to make the OP the named claimant no!! let them take the other party to court themselves!! the op can be a witness then..   one bitten...read this thread..      
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loopinlouie

Just came accross clearance bargain, true call machine

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Been going to order one of these for a while, but very nervous of pay pal and didnt realise could use debit card. Anyhow came accross clearance model for seventy pounds and just wondered do I have to get truecall own recording card or will any work.

 

Will I miss out by not getting true call one, ps havnt plugged it in yet, but excited my apparant angry man from an indian call centre who I dont know, but regular harasses me and says he has the right too, will find I can zap the number hopefuly or at least record the call easier than at present. :-D

 

Trouble about new toys is I struggle to learn how to use them so will play with it tommorow, its a truecall TC2 if that makes any difference xx

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Good stuff, loopinlouie.

 

I've not spoken to any numpties for a while now :D


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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:D Thought wow I know what that is, it was sat in a bargain bay sat next to a couple of wii games for a fiver. Just got to get the right memory bit next xx At first though five pounds weeeehhhhh, but of course it was more, but still a bargain. Not bad as got refund on something else and it paid for itself xx

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Be aware of this that I read in a review loopinlouie:

 

First of all, according to my itemised phone bill the Truecall unit seems to 'call home' and auto-dial an 0844 national rate number at least once a week, to set the time / date settings and perhaps perform some auto update of software or other routine. There is no obvious option within the control panel to limit / change the frequency of these automatic calls or even stop them altogether. I prefer to have full control over ALL of my outgoing calls and find the fact that this unit is dialling the 'Mother Ship' without my knowledge for various periods at 2.30AM without my consent rather unnerving.

 

Users of cheaper prefix carrier services like 1899 and 18866 will also find no option to add their cheap call prefix to the outgoing number either, meaning the automatic calls are made using full service provider rates. My period of ownership was actually short and I am a low user of outgoing calls, and on this basis the Truecall was noticably increasing my usual call spend with a combination of automatic call updates and the internet control panel 'handshake'

 

Although the first year subscription is free, I couldn't see any mention of how much the subscription renewal will cost for subsequent years' access. This could either be a pleasant surprise or a shock depending on the given price and your personal point of view. I feel that this cost should be more openly advertised and therefore transparent and upfront to potential buyers right from the word go

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Thanks for the heads up, I will look into it xx I dont mind it ringing perhaps once a week to update, like I suppose my alarm does, but would be concerned if it does it more than that. There is a helpline email addy in the manual so I will contact them and ask about how much the subsciption will be for following year and how often and for how long will it call home xx

 

They say help via email is free, but call wise its one pound a min, so will avoid that.

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Be aware of this that I read in a review loopinlouie:

 

Most of that review is factually incorrect, and looks as if it was written by someone who couldn't be bothered to set up the unit correctly and didn't read the manuals that come with it either.

 

The unit does uplink to the Truecall server via trueCall - your nuisance call blocker. However, the number it calls is an 0208 number and the frequency of the calls is set by yourself via the internet control panel (defaults to every 7 days). The internet control panel is where you can view all of the calls made by your phone, and all incoming calls, whether blocked by the truecall unit or answered. It also has a look-up facility for unrecognised numbers so you can easily check on a number and block it in a matter of seconds if it is a sales/marketing number.

 

You can also set up the unit to handle calls exactly as you wish to, via your phone or via the internet control panel. For example, I have my unit set up so that if a number calls which I have logged into my control panel as a friend (starred caller), they get straight through. All unrecognised callers first have to prove they are human by pressing a specified key (breakthrough key) on their phone (screening), and then announce who they are (whisper). Only then will my phone ring. I then have the choice to ignore the phone (phone goes to answerphone) or pick up and hear who is on the other end of the phone. Then I can decide to answer it, send it to answerphone, answer it and add the number to my friends (star) list, or reject and block (zap) the caller. Between the hours of 2300 and 0600 only starred callers can get through (night shield).

 

The first year of access to the internet control panel is free, and that should be the same wherever you purchased the unit. After that, there is a reasonable annual charge (in my opinion anyway) of £15 per annum. I've also found that if your unit goes faulty, as mine did the other day after the exchanged failed in the middle of a weblink upload, they will replace it free of charge with next day delivery and a freepost label to send the old one back for investigation.

 

I've no connection with Truecall, just one VERY happy customer of theirs who has revelled in 11 months of peace and quiet without the phone ringing at all hours of the day and night. It was apparent how much I relied on it when I was without it for a day. The two calls that I got were enough to put be back on edge.

Edited by RichardM

MBNA - Agreed to refund £970 in full without conditions. Cheque received Sat 5th Aug.:D

Lloyds - Settled for an undisclosed sum.:D

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Thanks for that info, waiting for sky to take over phone line and then will set it up xx

 

Just a quicky, does the sd card have to be truecall one or will anyone work, or would you recomend I get one from truecall to be safe, thanks.

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I am hoping to gey one soooon...when pennies allow. Do I have to have a recording card to use internet control panel and is there a difference I notice loopinlouie says they have TC2 is there different models....

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You only need the recording card to record telephone conversations, you don't need it to use the internet control panel.

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Have to agree with RichardM - best thing I have ever bought and his explanations are spot on :)

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